J&K Bank

OTP is meant only for you. The moment it’s shared, your account could be at risk. If someone claiming to be from the bank asks for your OTP, disconnect the call immediately. Always connect through J&K Bank’s official channels. Digital Hoshyari. Suvidha bhi. Suraksha bhi. #JKBank #YourBankSince1938 #DigitalHoshyariSuvidhaBhiSurakhshaBhi #OTP #CyberFraud #SafeBanking #FraudPrevention #JKBank #YourBankSince1938 #DigitalHoshyariSuvidhaBhiSurakhshaBhi #OTP #CyberFraud #SafeBanking #FraudPrevention

J&K Bank partners with SBI Life to expand life insurance offerings Tie-up to provide customers with a wider choice of protection, savings, retirement, and child-focused solutions Strengthening further its customer-centric approach to financial services portfolio, J&K Bank today announced a strategic corporate agency agreement with SBI Life Insurance - one of India’s leading private life insurance companies - to offer a comprehensive range of life insurance solutions through the Bank’s extensive branch network across the country. The partnership will enable the Bank’s customers to access SBI Life’s suite of protection, savings, retirement, and child-focused insurance plans, providing them with greater choice and convenience in selecting solutions aligned with their financial needs, life stages, and long-term aspirations. The agreement was signed by DGM Cross-selling, Masood Ahmad Lankar on behalf of the Bank and Regional Manager, Institutional Alliances, Budhaditya Banerjee representing SBI Life Insurance in presence of MD & CEO, J&K Bank, Amitava Chatterjee, MD & CEO, SBI Life Insurance, Amit Jhingran and President Business Strategy, SBI Life Insurance, Santosh Chacko. The function was attended by the Bank’s Executive Director Sudhir Gupta, Chief General Managers, General Managers, Divisional Heads besides other senior officials from both the organizations. Commenting on the collaboration with SBI Life, Bank’s MD & CEO Amitava Chatterjee said, "Guided by our philosophy of 'socially empowering banking', we remain committed to catalyzing economic and social transformation across the communities we serve. The addition of SBI Life to our portfolio of insurance partners enhances our ability to offer customers a wider range of competitive, need-based life insurance solutions, enabling them to choose products best suited to their unique financial needs." "By bringing together the strengths of two trusted institutions, this collaboration further reinforces our customer-centric approach and enhances our ability to deliver greater value through the Bank's extensive network across the country. It also builds upon the enduring trust that J&K Bank has nurtured over decades, beginning in its core geographies of Jammu & Kashmir and Ladakh and extending across its operational footprint nationwide," he added. Speaking on the partnership, MD & CEO, SBI Life Insurance, Amit Jhingran said, “At SBI Life, our purpose is rooted in helping individuals and families build financial resilience and approach the future with greater confidence. Our partnership with J&K Bank reflects a shared commitment to deepening insurance awareness and strengthening the culture of financial protection for households across the nation”. He further added, “Life insurance plays a critical role in ensuring financial continuity and safeguarding family aspirations. This collaboration will further reinforce its importance in everyday financial planning. We are proud to support the national vision of ‘Insurance for All by 2047’ and contribute meaningfully to building a financially secure society.” The collaboration aims to make insurance solutions easier to access and understand for the customers while encouraging them to integrate financial protection into their broader savings and long-term planning. The partnership also aligns with the Insurance Regulatory and Development Authority of India’s vision of ‘Insurance for All by 2047’ and seeks to contribute towards greater insurance awareness, financial inclusion, and long-term financial security. Through this association, J&K Bank and SBI Life will jointly undertake initiatives to enhance insurance awareness and help customers make informed choices for protecting their families, securing future aspirations, and preparing for different stages of life. #JKBank #JKBank

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Highlights: 1. Editorial on prevention of online frauds especially in senior citizen accounts. 2. J&K bank declares Q1 results for financial year 2026-27. 3. Segment on KYC & Re-KYC. 4. J&K bank inaugurates EBU Brenwar, Chadoora. 5. Segment on importance of Nomination Facility. 6. Advisory regarding seeding of Aadhaar & Phone number in bank accounts. 7. Commercials on housing loan, gold loan & general J&K bank products. 8. Lucky Draw & Weekly Quiz Contest (Send in your entries to jkbankdiary@jkbmail.com.** **Please dont forget to mention your name, residence, phone number and 16 digit bank account number in the mail).

Chief Secretary Chairs 19th J&K UTLBC meeting Banks in J&K UT have disbursed credit of Rs. 84,384 Crore during FY 2025-26 to 19.37 lac beneficiaries. Chief Secretary Atal Dulloo today chaired the 19th meeting of the Jammu & Kashmir Union Territory Level Bankers' Committee (UTLBC) at SKICC here to review the performance of the banking sector and Government departments in deployment of credit and implementation of banking-related initiatives during the financial year 2025-26 ended March 31, 2026. During the financial year 2025-26, banks operating in the Union Territory collectively disbursed credit worth Rs 84,384 Cr to 19.37 lac beneficiaries thereby achieving 108% of the annual target. Out of total credit disbursed during FY 2025-26, Rs. 44,228.30 Crore was deployed in priority sector. J&K Bank has the contribution of 63.41% in the total credit disbursed under Priority sector. The meeting was attended by Financial Commissioner (Additional Chief Secretary), Finance Department, Shailendra Kumar; Convener, UTLBC and MD & CEO, J&K Bank, Amitava Chatterjee; Regional Director, RBI, Chandrashekhar Azad; General Manager, NABARD, Vikas Mittal; Executive Director, J&K Bank, Sudhir Gupta; and senior officers of the Government, RBI, NABARD, J&K Bank and other banks operating in J&K UT. Reviewing the performance of the banking sector, the Chief Secretary expressed satisfaction over the historic achievement of the Priority Sector lending targets by the banking sector in Jammu & Kashmir and appreciated the collective efforts of all stakeholders in achieving this milestone. Expressing concern over the Union Territory's Credit-Deposit (CD) Ratio, the Chief Secretary stressed the need to progressively raise it from the present level of 61% to the national average of around 81%. "While the overall performance under ACP is encouraging, the Credit-Deposit Ratio remains below the national average which is a cause of concern. Banks must prepare a clear roadmap with well-defined strategies and interventions to progressively improve the CD Ratio. This is essential to ensure that local savings are effectively channelled into productive investments within the region," he observed. The Chief Secretary also emphasised the need to strengthen banking outreach in rural and far-flung areas by expanding the branch network. He directed banks to prepare a time-bound roadmap for establishing new Brick and Mortar branches over the next one year to improve access to formal banking services. Taking serious note of the unsatisfactory performance of several public sector banks under Priority Sector lending, the Chief Secretary observed that the challenge lay more in intent than in capacity and urged them to adopt a more proactive approach towards agriculture finance by viewing the sector as a viable business opportunity. He also expressed concern over the poor performance in education and housing finance and directed banks to analyse the underlying constraints and introduce more competitive products and pricing to improve credit flow in these important sectors. The Chief Secretary further observed that the Union Territory continues to lag behind the national average in enrolment under the Government's flagship social security schemes—Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY)—and called upon banks to intensify enrolment drives to ensure wider coverage of eligible beneficiaries. Chief Secretary directed banks to proactively engage with eligible farmers, women SHG, Udyam-registered MSMEs and artisans for onboarding them on Unified Lending Interface for uninterrupted loan journeys. Earlier, welcoming the dignitaries and participants, Convener, UTLBC and MD & CEO, J&K Bank, Amitava Chatterjee highlighted the banking sector's pivotal role in the socio-economic development of the Union Territory. He said, "The banking sector plays a pivotal role in driving economic transformation, and we remain steadfast in our mission to strengthen financial empowerment, promote entrepreneurship, and enhance access to credit across all segments of society," he said. "The banking system in the UT of J&K has exhibited remarkable operational as well as institutional growth over the last two decades. We are committed to providing banking services across all the geographies of the UT. The coverage of revenue centres with banking outlets under the National Strategy for Financial Inclusion 2025-30 will ensure the availability of banking services in all the rural and urban pockets of the Union Territory," he added. The meeting also reviewed the implementation of various Government-sponsored schemes and deliberated on measures to strengthen credit flow, improve banking penetration, enhance financial inclusion, expand banking infrastructure and accelerate balanced and inclusive economic development across the Union Territory through coordinated efforts of the Government and the banking sector. #JKBank #JKBank

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